1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Internal Audit planning

• Identify audit needs and areas for review and advise Internal Audit manager of requirements.
• Plan internal audit and in the process consider regulatory needs and standards (Reserve Bank Act/National Credit Act/SA Auditing Standards/IIA/Professional Accounting and Auditors Board/Auditing standards
• Consider COBIT and CISA standards when planning IT-Audit
• Research and keep up to date with international best practice (audit approach and methodologies)
• Provide input in setting up the annual audit plan for implementation
• Prepare and update audit programmes for execution

2 -Audit Execution 

• Execute the following processes
•  Map and document business processes to obtain an understanding of activities
• Identify and evaluate risks
• Document controls
• Test of controls and identify weaknesses
• Gather and maintain supporting documentation for each audit control objective addressed
• Report findings to Internal Audit Senior Manager and Head and make recommendations to reduce risks to an acceptable level
• Follow up on recommendations to determine if these have been implemented
• Express an opinion on adequacy and effectiveness of internal controls for immediate Senior Manager to review
• Prepare audit files for review
• Recommend and apply most appropriate audit tool

3- Audit Reporting 

• Express an opinion on adequacy and effectiveness of internal controls
• Discuss findings and recommendations with relevant senior line management
• Prepare audit assignment results for inclusion into the quarterly audit committee summary report
•  Review and submit monthly Manco/Exco reports summarising results of regional audits completed

4 -Management of Resources

• Assess risks related to system, process, enhancements or modifications on systems and suggest improvements where appropriate
• Research international best practice (audit approach and methodologies) when necessary
• Express an opinion in response to identified risk by

• Written communication
• Memo
• Presentation

5 - Treating Customers Fairly and Compliance

• Create and maintain productive relationships with internal and external clients by providing advice and assistance
• Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
• Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
• Always build a positive image by exceeding client expectations
•  Treat internal and external customers fairly at all times

Minimum Education: 

• Bachelor’s degree in computer science, Information Technology, Computer Auditing or Internal Auditing.
• Post Graduate Degree will be an added advantage.
• Certified Information Systems Auditor (CISA).
•  Certified Information Security Manager (CISM) and/or Certified Information Systems Security Professional (CISSP) will be an added advantage.

Minimum Experience: 

• At least 3 or more years of specialised working experience as an assistant audit manager or a senior IT auditor which includes:

• Demonstrated knowledge and practical IT-Audit experience including IT General Controls reviews, Application Controls reviews, Cyber and Information Security, IT Infrastructure technical knowledge (databases and operating systems), Programme/Project assurance and post/pre Implementation reviews, Basic Data Analytics, etc.
• Knowledge of IT risk identification (including threats, vulnerabilities, risk) and assessment.
• Knowledge of IT governance theories and practices, including methods of implementation.
• Knowledge of key legislation or guidance notes applicable to financial services

Development of Audit Plan and Strategy
• Develop and execute audit plan and multiple year strategy to evaluate critical risk within African Bank that goes to the AC for approval.  The Annual Plan needs to be risk-based audit plan to ensure that critical and high-risk areas receive proper audit coverage. Including coverage on regulatory, financial and compliance matter s    
• Formulate and execute any multiyear audit strategy (people, resources, systems) that is forward looking that takes into consideration of assurance needs for organisation currently and for its future state. Principle objective is to ensure that function is fit for purpose now and in the future.
• Review and approval of all engagement to ensure that defined scope aligns to principle objective of annual plan and business objectives.
• Review and exercise oversight over the Audit Annual Plan and update according to changes to the internal and external environment. 
• Implementation of annual planning process that results in delivery of Annual Plan to the Audit Committee
• Allow and create flexibility within the plan for Ad-hoc request

Execution and delivery 
• Proactively and independently lead the Personal Banking internal audit team as one of the four pillars of corporate governance, along with the board of directors, executive management and the external auditor.
• Coordinates audit activities with other assurance functions (e.g. Risk, Compliance and External Audit).
• Accountability of delivery of Annual Audit plan within budget and agreed timeframe by the Audit Committee 
• Accountability for setting IA standards and methodology in line with industry and professional leading practice.  
• Coordinates efforts with the external auditor and management to maximize efficiency.
• Constantly challenge the department to improve performance, efficiency, quality and innovate.  
• Constantly safeguard and ensure the department independence and functional ability to act as the third line of defence is maintained. 
• Monitor staff in daily tasks, operations and quality control; ensure the organisation of assigned areas of the department, coordinating available resources (e.g. staff, tools, etc.) for maximum results.
• Review the adequacy and effectiveness of controls established to ensure compliance with the Bank’s policies, plans, procedures, and business objectives, and identify and assess potential risks to the Bank’s operations.
• Manage ad-hoc assignments as requested by management and/or direct complex assignments that require both high levels of integration and specialised knowledge and skills in performance, financial and compliance audit projects. 

Audit Reporting and Communication
• Provide an annual written assessment on the soundness of internal controls and the control environment within African Bank Holdings to the Exco and Board in terms of the Companies Act, Regulation 38 of Banks Act and King IV to enable the Board, CEO and CFO to conclude and report annually to stakeholders on the effectiveness of the Bank’s control environment and internal controls.
• Present quarterly reporting to the Board Audit Committee and Risk Committee on significant matters relating to internal audit, internal controls, and risks.
• Pursue the timely remediation of significant audit issues.
• Communicate the status of open significant audit issues to the Audit Committee and Exco.
• Perform special audits when requested by the Audit Committee or Management, including the investigation of significant suspected fraudulent activities and insider abuse.
• Frequent engagement with CEO, CRO, CFO and members of Audit Committee on top risks and/or audit related matters.
• Express an opinion on adequacy and effectiveness of internal controls. 
• Implement a repeatable communication process of reporting results of audit activities within the organisation to various internal stakeholders ensuring that communication is in the right format, size and appropriate disclosure and remediation can be implemented and tracked.
• Accountable for ensuring that reports issued are of high quality, insight into root causes and provide adequate guidance for remediation.   
• Report audit findings and recommendations based on the results of audits to Exco and Board when issues need to be addressed.
• Respond to matters that emerge from appropriate referring bodies (the Board of Directors, CEO and other senior executives).
• Submit periodic internal reports and summaries of audits to Exco, Board and Audit Committee. Attend Audit Committee meetings and provides explanations of audit findings as needed to assist the Audit Committee members in their understanding of the issues.
• Cooperates with internal and external entities and risk control units on investigations into major control issues. Including coordinating with external audit and management to ensure the Audit Committee receives effective information, data and analysis on identified critical control risks or issues.
• Ensures reporting of results to the organisation are clear, concise and delivered in the context of the underlying risk to the organization.

Contributing to Improvement of Risk and Control Culture, Efficiency and Optimisation within the Organisation
• Make available to management, tools and techniques used by internal audit to analyse risks and controls. Coach and advise management in responding to risks.
• Lead the function in safeguarding and protecting the assets of the organisation. 
• Proactively provide advice to management and/or the Board regarding the reporting of forward-looking operating measures to help identify potential emerging risks.
• Provide an independent appraisal of controls and processes that govern financial integrity, operational effectiveness, technology, privacy and compliance with laws and policies.
• Regularly interface and develop strong working relations with executive management to actively respond to changing technology risks/demands and represents the Internal Audit function on various committees as required.
• Proactively identify inefficiencies in processes and controls, conduct root cause analysis, develop new approaches, and advise on the implementation of new processes.
• Monitor the process and control implications of ongoing business changes and ensure that processes and controls are a focus when integrating changes. 
• Process, solve and answer complex transactions, problems or inquiries.
• Communicate findings and obtain agreement and commitment of implementation of recommendations with management that appropriately respond to risks identified and address root causes.
• Work with business leaders to ensure completion of corrective actions to address concerns identified during audits.
• Provide insight and thought leadership on strategic and risk management activities of the Bank.
• Play active and participatory role in governance and executive committee structures within organisation by highlighting risk, opportunities and optimisations. Play a leadership role in the organisation in relation to the company's mission and core values.
• Act as the central point for coordinating, monitoring and reporting on risks as part of a Combined Assurance Framework. Take leadership role in this forum. 
• Provide advice and other substantive and administrative support to the Audit Committee, CEO and CFO to help fulfill their fiduciary responsibilities.
• Assesses the reliability of financial information and the systems and operations, including those outsourced that produce this information.

Stakeholder Relationship Management
• Maintain a strong relationship with key stakeholders including leading engagement with the Board, Executive Committee and business functions in creating a strong culture of compliance.
• Proactively manage relationships with the regulators ensuring transparent, open and clear communications and that regulatory requests are logged, managed and responded to in a timely fashion.
• Act as a proactive business partner ensuring timely communications to senior stakeholders for relevant regulatory matters.
• Drive and lead the spreading of awareness for all relative Audit activities and functions highlighting its implications through providing training and clear and robust advice on regulatory change.
• Provide advise and consultation to the Bank’s stakeholders to ensure avoiding overlapping/ conflict of interests and abiding to the governing rules and regulations.
• Oversee development and delivery of a robust Internal Audit program ensuring adequate coverage of regulatory high-risk areas that any material issues are reported and escalated in a timely manner.
• Develop and maintain strong relationships with other functions in the organisation to achieve greater understanding of operational requirements and integration. 
• Provide direct independent input to the relevant management and executive committees, ensuring adequate Internal Audit oversight, influence and challenge of the relevant risks and control environment of African Bank to maintain a strong and effective control environment.
• Serve on relevant governance forums representing Internal Audit and report to relevant Board Committees including Board Audit Committee and Board Risk Committee, reporting on relevant audit matters. 
• Present a comprehensive internal audit report to the Board Audit Committee on a quarterly basis, as well as an annual/quarterly plan of the Internal Audit activities, with clear recommendations related to solving problems encountered in managing audit risks.

People and Organisation Management
• Develop and manage direct reports. Manage the hiring, training and development of Internal Audit staff and any co-sourcing or consulting resources used by the function in accordance with the approved budgets for these engagements.
• Performance management of direct reports.
• Focuses on key technology systems and existing manual processes which could benefit from automation to improve processes, create efficiencies, or serve clients better. Incorporates use of technology and tools such as data analytics, surveys, etc. into the audit and risk reporting processes.
• Identifies areas for process improvement and present best practices and benchmarks.
• Training and development for direct line and department. Develop a training program for the professional audit staff.
• Employee relations - oversee staff assignments and drives employee engagement efforts.
• Recruitment and maintain an optimal staffing level for the function to be a value-added business partner sourcing talent for the organization over time and utilizing co-sourcing of certain skills in a cost-effective manner.
• Investigate and recommend and apply most appropriate audit tools for the current and future state.
• Develop and implement succession plan for key positions in the team.
• Maintain and monitor budget for the Internal Audit function.

Policies, Processes and Procedures
• Develop and oversee the implementation of the Internal Audit policies, processes and procedures to ensure all relevant procedural/legislative requirements are fulfilled.
• Review and provide input into functional and group policies, procedures and systems set to ensure alignment with the overall objectives of the Bank.
• Ensure compliance with all relevant regulations, banking laws, AML regulations and internal policies and code of conduct in order to maintain Internal Audit function’s sound legal position and mitigate any potential risks.

MINIMUM EDUCATION
CA(SA) or CFA

Post Graduate Degree in Finance, Mathematics / Statistics, Banking/Treasury or related fields.
 IT Auditing (CISA) will be an added advantage.

MINIMUM EXPERIENCE
At least 8 years’ experience in auditing (with emphasis on Retail Banking, Lending/Credit, Treasury, Insurance, Finance at senior management level.

CRITICAL COMPETENCIES
• Knowledge of transaction banking and lending/credit products and related models in a Retail Banking environment. 
• Prior exposure to data science and analytics.
• Knowledge of legislation and regulations governing banks including, but not limited to the following:
o Banks Act and Banking Regulations
o Basel Standards
o Financial Intelligence Centre Act (FICA)
o National Credit Act
o FAIS Act
o King IV Code on Corporate Governance
o IFRS Standards
o IIA Standards and Code of Ethics 
• Knowledge of combined assurance framework
• Impactful and insightful report writing
• Critical thinking, problem solving and analytical skills
• Communication and presentation skills
• Agile auditing 

ADDITIONAL COMPETENCIES
• Action Planning
• Planning and Organizing
• Data Science and Analytics
BEHAVIOURAL ATTRIBUTES
• Strategic Mindset
• Change Agent
• Balances Stakeholders
• Financial Acumen
• Ensures Accountability 
• Drives Vision and Purpose 
• Builds Effective Teams

SPECIAL REQUIREMENTS
Experience in and prior exposure to Treasury, ICAAP, IFCs, BA reporting.